⬡ GUARDIAN OPS
DENVER · SOUTHERN CALIFORNIA · CLAIM DEFENSE INTELLIGENCE
SYSTEM ACTIVE

CONTRACTOR BID AUDITS · CLAIM DEFENSE INTELLIGENCE

YOUR BID. YOUR CLAIM. OUR AUDIT.

We audit both sides — contractor and insurance — and expose where money is being lost. We don't repair. We don't settle claims. We show you what's missing and make sure the process is completed correctly enough to receive what was already approved.

◆ Guardian Ops is a neutral third party — not here to replace or discredit your contractor. We make sure the numbers are right for everyone involved.

48HReport Delivery
100%Independent Analysis
FREEFirst Audit
$0Upfront Cost
🏚️ Restoration
🏗️ New Construction
🪵 Deck & Pergola
🔥 Fire & Smoke
💧 Water Damage
🌪️ Wind & Hail
🏠 Roofing
🔧 General Contractor
🌊 Flood
ACTIVE Denver · Water · $47,200 disputed
COMPLETE Allstate · 14 flagged · +$12,840
NEW SoCal · Fire · $31,500 underpaid
FREE FIRST AUDIT · NO UPFRONT COST

PROCESS

How Guardian Ops Works

01
Tell Us What You Need

Getting a contractor bid reviewed before you sign? Dealing with an underpaid insurance claim? Fill out a simple form — no jargon required.

02
We Run The Analysis

We cross-reference your contractor bid or carrier offer against regional benchmarks, material costs, and scope standards — line by line.

03
Forensic Report

Every line item scored. Every red flag documented. Every gap identified. Chain-of-truth audit log included.

04
You Negotiate

Armed with forensic intelligence, you enter the negotiation with the same data the carrier uses. The gap closes.

INDUSTRY DATA

What Most Homeowners
Never Find Out

Whether you're hiring a contractor or fighting an insurance claim — the numbers are not in your favor. Here's what the data shows.

0%
Of property claims are initially underpaid by carriers
$0K
Average gap between carrier offer and fair market value
0/10
Homeowners accept the first offer without negotiating
0
Average flagged line items discovered per forensic audit

"The carrier has a team of adjusters, lawyers, and proprietary software. You had a contractor's bid and a handshake.
Now you have Guardian Ops."

THE SYSTEM EXPLAINED

The Money Was Already
Approved.

Most people never recover their full payout — not because it wasn't owed — but because the process was never completed correctly.

PHASE ONE
ACV
ACTUAL CASH VALUE

The first check. The carrier subtracts depreciation — age, wear, condition — and sends you a reduced upfront payment. Most homeowners think this is all they get.

◆ THE TRAP

Depreciation makes you feel like you already got paid — even when you only received 60-70% of what was owed. So most people stop pushing.

PHASE TWO
RCV
REPLACEMENT COST VALUE

The locked vault. The rest of the money exists — but it's chained behind conditions. Repairs must be completed, invoices submitted, timeline followed.

◆ THE UNLOCK

Miss one step — wrong invoice, scope mismatch, expired timeline — and the money disappears. Not denied. Just left behind.

◆ WHERE THE MONEY VANISHES

Contractor underbids — job is "complete" but leaves money on the table

Scope mismatch — line items never claimed, carrier never told

Timeline expires — depreciation never released, money gone

Invoice doesn't match estimate — carrier caps the payout

No upfront cash — repair never starts, RCV never unlocked

Supplements never filed — money stays buried in the claim

◆ WHERE GUARDIAN OPS FITS

We Don't Repair.
We Don't Settle.
We Control The Unlock Sequence.

We audit both sides — contractor and insurance — and make sure every step of the process is completed correctly enough to release what was already approved.

Scope verified complete BEFORE the build starts

Numbers aligned with real replacement cost — not contractor convenience

Timeline tracked so recoverable depreciation is never lost

Final invoice structured to force release of held funds

"Insurance already approved more money. They're just waiting to see if you complete the process correctly enough to receive it."

HOW WE WORK

You Pay Nothing
Until We Prove Value

01
Free Audit

Submit your claim. We deliver a forensic report showing exactly where your carrier or contractor left money on the table.

02
We Review Together

We walk you through the findings. You see the gap between what you were paid and what you're owed. That conversation costs you nothing.

03
You Decide

If the gap is significant, we discuss engagement options — from a one-time strategy brief to full owner representation.

04
We Fight For You

We engage your carrier with forensic documentation they can't ignore. Most clients recover significantly more than they would have alone.

REFERRAL PROGRAM

Know Someone
Fighting A Claim?

Every referral that becomes a client earns you credit toward future Guardian Ops services. No limit. No expiration.

🏠
HOMEOWNER TRACK

Know a neighbor with a disputed claim? Refer them. When they complete their audit, you earn credit toward your next one.

◆ YOUR REWARD

Credit toward future Guardian Ops services.

🔧
CONTRACTOR TRACK

Refer your clients to Guardian Ops and earn priority partner status — your bids reviewed first, credits that compound with every referral.

◆ YOUR REWARD

Priority partner status + service credits.

SUBMIT A REFERRAL

◆ YOUR INFORMATION

◆ WHO ARE YOU REFERRING?

INTAKE

Submit Your
Claim or Bid

Getting a contractor bid before you sign? Dealing with an underpaid claim? Tell us what's happening and we handle the analysis.

  • No insurance knowledge required — plain English is fine
  • Takes under 5 minutes to submit
  • Contractor bids AND insurance offers audited
  • Carrier strategy for State Farm, Allstate, USAA and more
  • Every finding documented and timestamped
  • Free first audit — we discuss next steps based on your specific claim
◆ ABOUT YOU
◆ WHAT HAPPENED?

What type of damage?

◆ THE CONTRACTOR'S BID

Total amount on contractor's estimate?

📄
Tap to upload · PDF, JPG, PNG
◆ PROJECT INFO
◆ BID LINE ITEMS
DescriptionQtyUnit$/Unit
SUBTOTAL$0.00
O&P (22%)$0.00
GRAND TOTAL$0.00
Intake validated
Bid data processed
Forensic analysis running
Bid audit complete
Carrier strategy applied
Scope validation complete
Supplement detection complete
Forensic report assembling

CONTACT

Talk To Us Directly

Have questions before submitting? Reach out directly. We respond to every inquiry within 24 hours.

📞
PHONE
(720) 593-9779
✉️
EMAIL
[email protected]

◆ SERVICE AREA

Denver Metro · Colorado Front Range
Southern California · Los Angeles · San Diego

◆ SEND A MESSAGE

◆ IMPORTANT DISCLAIMER

Guardian Ops is a claim analysis and documentation consulting service. We are not attorneys, lawyers, or a law firm. We are not licensed public adjusters. We do not provide legal advice or represent clients in legal proceedings. The forensic reports and analysis we provide are for informational and strategic purposes only. Guardian Ops does not negotiate directly with insurance carriers on behalf of homeowners. All decisions regarding your insurance claim remain solely yours. Results may vary. By submitting your claim information you agree that Guardian Ops provides consulting services only and that no attorney-client or adjuster-client relationship is formed.